Frequently Asked Questions (Excess) | General » | NHS »
1. Why have you introduced a Non Voluntary Contribution? (“Excess”)
With medical costs rising, the PHS needs to operate efficiently to make sure that subscriptions remain affordable and good value. The Directors have decided that it is appropriate to expect members to contribute towards treatment costs, rather like excess, which is commonly applied to insurances policies.
2a. Do I have to make a contribution every time I access treatment?
If you go and see a consultant and as part of that initial process you are required to have basic tests (e.g. bloods, x-rays etc) then you will not be required to make any kind of contribution to the overall cost. If you are required to have a scan such as an MRI or CT you will be required to pay £50.00 first before the scan is authorised. If a surgical procedure is required you will need to make a contribution of £100.00 before it can be authorised.
2b. What if I have already paid £50.00 for a scan and I then need surgery?
Provided they relate to the same episode of treatment you will only be required to pay an additional £50.00. The maximum you will pay per episode of treatment and per financial year is £100.00.
3. What about physiotherapy?
In the case of outpatient treatments such as physiotherapy, chiropractics and osteopathy, you will need to make a £50.00 contribution before your treatment will be authorised.